BJ’s One® Mastercard® vs Chase Freedom Unlimited®

BJ’s One® Mastercard®BJ’s One® Mastercard®

Capital One

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Chase Freedom Unlimited®Chase Freedom Unlimited®

Chase

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Annual Fee
No Annual Fee
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
BJ's Rewards
Chase Ultimate Rewards
Point Value
1.00¢/pt
1.00¢/pt
Base Earn Rate
1.5x
1.5x
Welcome Bonus
—
20,000 Chase Ultimate Rewards after $500 in 90 days

Effective return by category

CategoryBJ’s One® Mastercard®Chase Freedom Unlimited®
Card Travel Portals1.50%
1.5x
5.00%
5x
Dining & Restaurants1.50%
1.5x
3.00%
3x
Drugstores & Pharmacies1.50%
1.5x
3.00%
3x
Everything else1.50%
1.5x
1.50%
1.5x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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